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— активным депозитный счет
— накапливаться
— сальдировать, подводить итог,
закрывать счета
— аннулировать чек
— сложные проценты
— кредитовать
— дебетовать
— вклад, депозит,задаток
— запас, резерв, dpoim
— подлинный, неподдельный
— страхование
— страховать(ся)
— процент но банковскому
кредиту
— совместный счет
— бухгалтерская книга
— ликвидный
— срок платежа
— извещение, уведомление
— 1) выпущенный в обращение
2) не предъявленный
| overdraft overdraw (v) |
к платежу, задолженный
— овердрайгг, превышение
кредитного лимита
— допускать OBCp;u>adrr,
превышать кредитный лимит
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| passbook |
| per annum principal |
—банковская расчетная книжка,-
депозитная книжка,
сберегательная книжка
—ежегодно
— 1) номинал векселя
2) капитал
| posting rale of interest reconcile (v) commission service charge (US) term time certificate transferable |
.3) основной должник
— проводка
— процентная ставка
— выверять счет
) комиссионный счет
— срок выполнения обязательств!
— срочный сертификат
— переводной
Dialogue
Read Иге dialogue.
Cashier: Now this is the checking account ledger. Each page * is a record of a customer's deposits and withdrawals.
Student: Anclyou give a copy of this to the customer.
| C., |
Thai's right. That's hisstalemcnt, which he receives with all his cancelled checks. Then he reconciles ill with his own records.
| S. C. S. C. S. C. |
This one is a joint account, isn't it? And prelly| active. ' Yes, it is.
What's this debil? That's our service charge. 1 notice an overdraft here in April. I'm afraid we've had lo remind this customer and his wife several limes lhal Ihey must keep a sufficient balance to cover all on Islanding checks.
C. .•
S. : C.:
S. : C.
S. : C.
S. C.
Will I have to learn lo recognize all our customers
signatures.
Yes, you will . Any check we cash must have a genu-
ine signature. But we keep a file of them that you
can refer to.
Will I be doing any posting of this ledger?
No, I'm afraid. Nol till you are employed in our
bank.
Well, suppose one has some funds on hand, I'm
wondering whelher he ought lo pul them in a sa-
vings account.
It's a good idea, if he wants lo keep his investment
fairly liquid. And he might also think of a lime de-
posit.
What's the difference?
Well, first of all, his lime deposit is for a specified ,
term, bul he can make wilhdrawals from his sa-
vings accounl al any lime, allhough as much as Ihirly
days' nolice of wilhdrawal may be required.
Do Ihey draw Ihe same rale of inlercsl?
The bank pays Ihc maximum 4% per annum al ma-
lurily on a one year lime certificate. Interest on a
savings account accrues al the rale of 3%.
How do you figure Ihc in leresl on a savings accoun I?
H's compounded and credited lo Ihc account
semi-anmmlly.
You mean added to the principal?
Yes. And we issue each customer a passbook on his savings accounl in which each deposit and with-
drawal is entered.
Is either type of aceounl Iransferable?
Only lime certificates.
Arc these deposits insured?
Yes. We're a member of Ihe Federal Deposit Insur-
ance Corporation.
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25
Questions on the dialogue:
1. What is a checking account ledger? ,
2. Why does the bank send a copy of the statement with a]|
checks cancelled to every customer?
3. Are service charges debited or credited to an account?
4. What happens when a cashier notices an overdraft on
somebody's account?
5. What does a teller have to do before he cashes a check?
6. What advice would you offer to a customer who has some
funds on hand?
7. Why is it profitable to deposit your funds for a specific
term?
8. How is the interest on a savings account figured?
9. Which type of account is transferable?
lO.How are customer's deposits protected?
Text
There are two general reasons for using a bank account.
The first and most common is thel'onvenicncc and safety pro
vided by a current account at a bank. The second is that small
and perhaps regular surpluses are available to be saved, and
for this purpose a bank provides deposit accounts. ,
A deposit account will not offer a high rale of interest and would not be the best way to save large sums of money for any long period of time, but it is designed to make saving simple, convenient and safe. II is especially appropriate for those who may save small amounts from lime to lime without any planned regularity or for those who wish to save for a particular purpose in the immediate future, for example for; annual holidays or for the purchase of a major item such as a| car.
Most customers of a bank who have opened a deposil account will also have a current account and Ihis makes the transfer ol amounls of money from one lo Ihe other an easy
matter. Regular payments inloade[>osit account can l>e made through a standing order lo the bank who will automatically transfer the agreed amount according lo your instructions. Other payments are made on standard forms but it is most convenienl and provides a useful record if the depositor uses a paying in book. Intcresl is calculated every^ix months and added lo the account. The rale of interest varies from time lo lime and is publicly adverlised in any bank. Because Ihe bank uses money deposited with them to lend to others it normally requires aboul seven days nolice of inlcnlion lo withdraw money from a deposit account, but unless Ihcre is a heavy demand for money Ihey arc nol likely lo insist on Ihis and cash is often immediately available to those who wish lo wilh-draw it. There is an assumption lhal such nolice was given and you would lose sevei, day's inleresl on Ihe money.
The increasing need for securily and Ihe use of computers in wage payments have combined to make it more common to have a bank account than lo be without one. This kind of account is a current one and its most common use is a single regular paymenl in either a weekly wage or a monthly salary and regular payments oul to meet Ihe normal everyday expenses. Mosl payments are still made by cheque although the use, of Ihe standing order or the direct debit is becoming very common. II is normally expecled lhal a current account-will remain in balance and customers who regularly maintain an agreed minimum balance are often given Ihe services of the bank without charge. In general, however, charges are made which vary with the size of the balance, Ihe amount of use of the bank's services and Ihe number of Iransaclions. If the account is overdrawn a further charge, which is interest on the overdrawn amount, is also made.
Overdrafts are not permitted automatically and anything other than a small temporary overdraft would have to be by agreement wilh the bank manager. Such a facility- is often useful particularly when there is a shorl lerm disbalance between income and cxpendilure. On the olher hand, since
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| 4.'Compound 5. Maturity 6. Principal 7. Charge 8. Rale of interest |
money in a current account does not attract interest, it is not a good idea to maintain large cash balances, these would be belter transferred to a deposit account or to an alternative form of saving.
Questions on the text:
1. What are the two main reasons for opening a bank ac
count?
2. Which type of account is used by those who wish to save?
3. What kind of saving is this type of account most suited to?
4. What is a standing order?
5. Why does a bank sometimes need notice of intention to
withdraw money from saving accounts?
b'. What is the most common use of current accounts?
7. Why are some customers not charged for the facility of a
current account?
8. Why is it not a good idea to retain large balance in a cur
rent account?
Vocabulary Exercises
Find proper definitions
| Terms |
Definitions
| 1. Debit |
a) I he unpaid balance or portion of a
loan or investment on which the
interest is figured
| 2. Balance |
| 3. Overdraft |
b) an amount by which withdrawals
are greater than the balance in an
account
c) the poinl at which a loan or invest
men I is due
28
d) the amount which has to be paid 1'or
the use of a bank's services byacur-rcnt account holder
e) a figure in the ledger indicating
a withdrawal or a change
f) the amounl remaining in an accounl
g) figure interest on the principal plus
any accrued interest
h) the amount per hundred pounds which is added to the balance of a deposit account
II
Using the words in brackets as a guide, explain Uie meaning of the following terms:
1. deposit (put into, an account)
2. withdrawal (an accounl, remove from)
3. standing order (transfer, automatic, bank, customer, in
structions)
4. joint accounl (two or more people, owned by)
5. slalemenl (a customer's deposits and withdrawals, a
record)
H. overdraft (current account, balance) 7. interest (Ihc use of money, pay for) H. nolice (one's intentions, an announcement of) 9. insurance (loss, protection against, government agency or
another specializing in)
III
Choose the right answer: J. "a current accounl" is:
a) one which is available for the time being,
b) one in which savings arc held,
29
с) one which is used all the time for day-to-day transae| tions.
2. "a canceled cheque" means:
a) worthless cheque,
b) stamped to indicate that payment has been made,
c) crossed cheque.
3. "a genuine signature" is:
a) a person's name written by himself,
b) a person's name written correctly,
c) legible signature,
4. "an outstanding cheque" means:
a) unpaid cheque,
b) written but not yet presented for payment,
c) overdue cheque. ,
5. "a deposit account" is:
a) one from which regular payments are made,
b) one in which savings are held,
c) one from which withdrawals can be made by cheque.
6. "rale of interest" is:
a) the percentage of each unit of money paid for its use,
b) rate of profitability,
c) portion of an investment on which the interest is calcu
lated. I
\
1. "an overdraft" is: я
a)an amount by which the balance in a current account
exceeds the value-of a cheque drawn from it, j
b) an amount by which the value of a cheque exceeds the:
balance in the current account,
c) an excessive balance in a current account.
iv '^ •"• •• '•• ;
Say ivlial is true and what is false. Correct Иге sentences:
1. The teller has to learn to recognize all customers' signa-
tures.
2. If you want to keep your investment fairly liquid, put it in
a deposit account.
3. You cannot make withdrawals from your deposit account.
4. Interest is paid by the bank on both current accounts and
deposit accounts.
5. Withdrawals arc made from a deposit account by cheque
or standing order.
6. Money is easily transferable irom a current account to a
deposit account.
7. The rate of interest on deposit accounts is fixed.
8. It is easier to get money out of a deposit account than it is
from a current account.
Give verbs which correspond lo the following nouns:
| Verbs |
Nouns
Assumption
Debit
Deposit
Maturity
Notice
Overdraft
Statement
Withdrawal
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31
VI
| to maintain to credit to permit to cancel to pay in |
Find synonyms: to debit to deposit to reconcile to sign to accrue
VII
Collocations. 3
1 . Find llic nouns which are qualified in the text by lhe.s?\ adjectives and write one noun to each adjective:
general especially
most minimum
regular short-term .j
| interest | overdraft |
| certificate | balance |
| charge | withdraw |
| cheque | service |
| deposit | saviVigs |
| account |
2. Combine, the words listed below into meaningful two or\ three word expressions.
VIII
For each of the following phrases find the expression in the text or in the dialogue that explains it:
1. to record figures in a ledger
2. to compare one's own records with the bank's statement
and make them agree
3. money paid for the use of someone's money
4. to increase in quantity
5. the date when a loan or investment is due
6. a specified period of lime
1 to protect against loss or damage Я, at the rate of 5% each year
9, an instruction to a banker to'make a payment at regular
intervals
10. an instruction to a banker to make a single payment to a
specified person j
Ц. the amount on which the money paid for its use is calculated
12. on my deposit account this payment for the use of my
money builds up at the rale of 3%
13. another type of account into which my salary is paid ev
ery month
14. Ihe amount which 1 have to pay the bank for Ihe use of
Iheir services
15. theamounl by which my current account holding is greater
than nothing
16. my statement shows me lhat 1 owe the bank money
IX
Fill in the blanks:
Mr Collins and his wife have a current account in both their
names. They have a... They both work and put money inlo
the account. They both make... Sometimes they gel mixed
up about the amounts of money they have removed from their
account. They gel confused about their..... Once or twice
the amount remaining in their account has become loo low.
They have had too small a... The next cheque they wrole
was for more money than they had in their account. They had
an...... The only way they could restore the balance was to
get a record of their deposits and withdrawals from the bank.
So they asked for a... They also had the cheques which had
been stamped to indicate that payment had been made. They
had their.... cheques. Then they added up Ihe cheques lhal
had heen written but had not been paid by the bank ycl.
They totalled their..... cheques. They also subtracted from
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33
their balance the bank charges and interest on the...... Fi-;
nally they managed to make their records agree with the
bank's statement. They...... their account.
Unit Four Applications for Loans
Demonstrate the meaning of the following expressions in sentences of your own:
1. to reconcile a statement with one's own records
2. to have a joint account
3. to have an overdraft
4. to cover an outstanding cheque
5. to send your banker a standing order
6. to make a withdrawal
7. to calculate interest on
8. to pay interest
34
Active Vocabulary:
amortize (v)
repaid by annual installments appraise (v)
assets
fixed assets
current assets
balance sheet
chattel
chattel mortgage (US)
clear
collateral security
collateral
debt
deed
1) погашать долг в рассрочку
2) обеспечивать постепенную
выплату займа
выплаченный в рассрочку оценивать, определять стоимость
имущество, достояние, средства; активы; фонды; капитал
- основные средства,
основные фонды
- текущие активы
балансовый отчет
- движимое имущество
ипотечный кредит
- осуществлять клиринг
векселей, чеков; выплачивать
по чеку клиента
- имущественное обеспечение,
обеспечение ценными
бумагами
- обеспечение; залог;
дополнительное обеспечение
- долг, задолженность,
обязательство
документ, скрепленный
подписью и печатью
35
| Banker: |
discount ( v)
encumbrance equity
estate estimate (v)
holding
holdings
indebtedness
instalment
legal charge
liabilities
liquidate (v)
mortgage
net value,
net worth (US)
obligation
pledge (v) property
real estate (US)
retire (v)
securities
title
trust
trust deed (US)
— 1) дисконт, учет векселей
2) процент скидки, станка учета|
— закладная, долг, обязательство
— 1) маржа
2) доля акционера в капитале
3) обыкновенная акция
— имущество, состояние
— 1) оценивать
2) подсчитывать
3) составлять смету
— 1) владение акциями
2) пакет акций
'— вклады, авуары
— задолженность
— 1) очередной взнос
2) частичный платеж
— законная плата
— денежные обязательства
— ликвидировать, погашать
— ипотека; залог; закладная
— чистая стоимость компании;
собственный капитал
— долговое? обязательство; облига
ция
— закладывать
— 1) собственность
2) имущество
— недвижимость
— погашать долговое обязательство.
— ценные бумаги, фонды
— право собственности
— ]) траст, доверительный фонд
2) кредит / давать в кредит
— акт учреждения доверительной
собственности
36
Dialogue
Head the dialogue.
!• Application for Credit
Our discount committee is still discussing your
application for credit. I wonder if you'd mind gi-
ving us some more information about certain
items shown on your balance sheet.
| Customer: B. : C. : B. : C. : |
Not at all.
Is the mortgage on your fixed assets being amor-
tized?
Yes. We're making semi-annual payments on this
obligation.
Your balance sheet show some indebtedness. Are
any of your assets pledged as security?
No. That's just an open note.
Would your company be willing to pledge part
of its current assets as collateral security to our
Joan?
| C. ; |
We wouldn't object to that. Part of this money will l>e used to retire present debts and part to expand our operations. Then we can immedi-
ately begin to liquidate this new liability.
1 think we'd better prefer that arrangement.
B.
Дата: 2019-02-02, просмотров: 280.